Ok, I know absolutely nothing about this kinda thing (hence the reason I don't have a credit card). So, if something says it has a 14.49% variable APR, and it's on something I'm buying for $875.14 after taxes...how much will I be paying per month in interest? Well, I know it will change as I make payments, but...I don't know, a rough estimate, or an explanation of how this stuff works would be great! I feel like an idiot when it comes to finances. I should know this.